This audio presentation explores real-world case studies demonstrating the importance of "reasonable steps" and conflicted remuneration in mortgage broking, using lessons from ASIC’s case against R M Capital. Listeners will examine examples of non-compliance, such as failing to provide loan alternatives, referral kickbacks, and preferential lender treatment, highlighting the risks of regulatory breaches. The discussion also covers best practices for compliance, including robust training programs, transparent disclosure policies, and ethical decision-making in complex client scenarios. By the end, listeners will understand how to align their business practices with legal obligations, ensuring they operate with integrity while protecting consumer interests.